Advanced Financial Federal Credit Union - Serving Union and Essex County NJ

Banking, Only Better

FEDERALLY INSURED CREDIT UNION SERVING THOSE WHO LIVE,
WORK OR WORSHIP IN UNION OR ESSEX COUNTY, NJ

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 CURRENT RATES

Advanced Financial offers our members low rates because we are not serving our stockholders, we are serving you, our members.

Savings Rates

Current Rates on Share Savings, Holiday and Vacation Club accounts

CURRENT RATES
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Savings
Minimum deposit $5.00 Minimum balance to earn dividends $5.00
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Holiday
Minimum deposit $0.01 Minimum balance to earn dividends $0.01
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Vacation
Minimum deposit $0.01 Minimum balance to earn dividends $0.01
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Kids Savings
Minimum deposit $5.00 Minimum balance to earn dividends $5.00

Loan Rates

Current Rates on Vehicle, Motorcycle, and Signature Loans Maximum APR on all loans is 18.00%

CURRENT RATES
As low as 5.75% APR
New Vehicle/Motorcycle
Terms: Up to 72 months.
As low as 6.75% APR
Used Vehicle/Motorcycle
Terms: Up to 72 months.
As low as 9.90% APR
Signature Line of Credit
Open end unsecured line of credit with limits to $10,000
As low as 9.90% APR
Signature Loan
Fixed Term and rate, loan amounts to $15,000

Home Equity

Current Home Equity Loan Rates. Tap the equity in your home. CLTV= combined LTV of 1st mortgage & home equity loan. Maximum APR on all home equity loans is 18.00%

CURRENT RATES
As low as 6.25% APR.
5 yr Fixed - 75% CLTV
As low as 6.85% APR
7 yr Fixed - 75% CLTV
As low as 7.45% APR
10 yr Fixed - 75% CLTV
As low as 8.05% APR
15 yr Fixed - 75% CLTV
APR as low as Prime + 0.50%
(floor rate is 4.75% APR)
Prime as of 11-22-23 is 8.50%
15 Yr Adjustable - 75% CLTV
All rates quoted as Annual Percentage Rate (APR) All rates are subject to change at any time.

Secured Loan Rates

Current Rates on Secured Loans

CURRENT RATES
As Low as 4.90% APR
Share Secured Loan
Varies based on CT used to secure
Certificate Secured Loan

Credit Card Rates

Current Rates on Credit Cards Maximum APR on all credit card loans is 18.00%

CURRENT RATES
As low as 15.99% APR
VISA Everyday Rewards
Rate is variable and will adjust monthly based on changes in the prime rate.
As low as 13.99% APR
VISA Everyday Classic
Rate is variable and will adjust monthly based on changes in the prime rate.

Money Market

Minimum deposit to open $2,000 Minimum balance to earn dividends $2,000 *Fees can affect earnings

CURRENT RATES
1.10% ; 1.11 % APY*;
$2,000 - $19,999
1.30% ; 1.31 % APY*;
$20,000 - $49,999
1.70% ; 1.71 % APY*;
$50,000 - $99,999
1.90% ; 1.92 % APY*;
$100,000 - $249,999
2.20% ; 2.22 % APY*;
$250,000 - $499,999
2.50% ; 2.53 % APY*;
$500,000 and over

Share Certificates

Current Rates on Share Certificates. $500 Minimum opening balance; $500 Minimum balance to earn dividends. Rates and yields are subject to change. Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.

CURRENT RATES
3.95% ; 4.02 % APY*;
SC 6 Months
4.35% ; 4.44 % APY*;
SC 9 Months
4.85% ; 4.96 % APY*;
SC 12 Months
3.50% ; 3.56 % APY*;
SC 18 months
3.75% ; 3.82 % APY*;
SC 24 Months
3.65% ; 3.71 % APY*;
SC 36 Months
3.25% ; 3.30 % APY*;
SC 48 Months
3.25% ; 3.30 % APY*;
SC 60 Months

IRA Accounts

Current Rates on Individual Retirement Certificate Accounts $500 Minimum opening deposit; $500 Minimum balance to earn dividends. Rates and yields are subject to change. Early withdrawal penalties may apply. The early withdrawal penalty for all terms is 90 days' dividends.

CURRENT RATES
2.20% ; 2.22 % APY*;
IRA Traditional SC 6 months
4.85% ; 4.96 % APY*;
IRA Roth / Traditional SC 12 months
3.50% ; 3.56 % APY*;
IRA Traditional SC 18 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional SC 24 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional SC 36 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional SC 48 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional SC 60 months

IRA Share Savings Accounts

Current Rates on IRA Share Savings Accounts *Fees can affect earnings

CURRENT RATES
0.20% ; 0.20 % APY*;
IRA Roth/Traditional Savings
0.20% ; 0.20 % APY*;
Education ESA Savings
Current Rates Advanced Financial Federal Credit Union can help you manage your money with all of the products and features of the mega-banks with the personal attention and lower rates that only a credit union can offer.
Rates as of: 5/2/2024. Rates are subject to change without notice. *APY = Annual Percentage Yield. APR = Annual Percentage Rate.
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© 2024 Advanced Financial Federal Credit Union
800-237-5626
afsinfo@advfinfcu.com

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Our routing number for direct Deposits: 221276817
Federally insured by NCUA
We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act